Universal Service Representative I

Wheelhouse Credit Union; San Diego (CA); On-site; USD 42,000 - 56,000; Full time

Job summary

Wheelhouse Credit Union in San Diego seeks an Universal Service Representative I to grow member relationships, open new memberships, and process teller and loan transactions. You will act as a member advocate while staying compliant with BSA, CIP, and other regulations.

The role emphasizes sales and service, requires a high school diploma with 1+ year financial experience, and proficiency with Microsoft Office and core processing systems.

Qualifications

• High school diploma or equivalent plus 1+ years in a financial institution.
• Strong sales and service skills.
• Good oral, written, and interpersonal communication.
• Proficient with Microsoft Office and online core processing systems.

Responsibilities

• Provide service and sales support across branch areas.
• Maintain and balance cash drawer; handle deposits and loan payments.
• Open new membership accounts and answer product questions.
• Promote Credit Union products and services.
• Interview and process consumer loan applications as authorized.
• Ensure compliance with BSA, CIP, REG E and related policies.

Skills

Sales & customer service

Interpersonal communication

Time management

Education

High school diploma

Tools

Microsoft Office

Core processing system

Job description

Summary:

The position of Universal Service Representative I is responsible for procuring business for the branch by maintaining member relationships and referring members to the appropriate products and services. This role opens new accounts, processes, and funds all consumer loans, and routinely performs teller and vault transactions. This position will act as a member advocate handling account updates and/or revisions, account fraud and error resolution. This position will also remain current on all laws, rules and regulations including the Bank Secrecy Act (BSA) and Customer Identification Program (CIP) programs and processes.

Essential Duties and Responsibilities:

1. Provide service and sales support to all assigned areas of the branch.
2. Maintain and balance a cash drawer daily. Receive and process deposits, withdrawals, transfers, cashier check requests, cash advances and loan payments.
3. Make decisions regarding the opening of new membership accounts and responds to requests for information pertaining to memberships, products, services, and consumer loans.
4. Promote Credit Union products and services.
5. Interview loan applicants and ensure accuracy of consumer loan applications as authorized and approved by underwriting and/or Credit Committee prior to funding and disbursing.
6. Participate in assuring quality control in regard to audits and certifications.
7. Process requests to increase scheduled loan payments and collection payments.
8. Complete and maintain monthly sales logs and reports.
9. Meet outlined goals and objectives established for cross-sell on new memberships & consumer loan funding. Adhere to outlined error ratios on funded loans and memberships.
10. Meet and maintain established ancillary goals i.e., GAP, MBP, and Debt Protection.
11. Provide staff support at other branch locations.
12. Ensure compliance with all processes pertaining to BSA, CIP, lending, and REG E programs.
13. Perform other duties assigned.

Requirements

Position Requirements and Qualifications:

1. High school diploma or equivalent plus one (1) or more years of related experience and/or training in a financial institution performing a full range of Teller, new account, and operations functions.
2. Requires strong sales, and service skills.
3. Minimum of six months of experience in consumer lending preferred.
4. Professional and effective oral, written, and interpersonal skills.
5. Ability to address problems and situations by utilizing procedures and other resources within the organization.
6. Proficiency with Microsoft Office products and on-line computer core processing system.
7. Must be eligible to become an individual endorsee under the business entity license of Wheelhouse Credit Union held with the California Department of Insurance. Will be required to complete an individual application for insurance and an affidavit of training and knowledge.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. Effective time management skills.
10. Ability to work with minimal supervision while performing duties.
11. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.
12. Support Business Development at onsite events and/or Marketing efforts within the community.

Job descriptions are not intended to be and should not be construed to be a complete list of all duties and responsibilities performed by incumbents, nor do they constitute an employment contract. Duties, responsibilities, and expectations may be added, deleted, or changed at any time at management’s discretion. Further, job descriptions do not represent a complete list of all the performance expectations and characteristics of individuals required to perform a job adequately.